Financial Services / Banks - RegionalJohannesburg
$25392.00
+112.00 (+0.44%)
Book/ROE base 3Y
n/d
n/d CAGR · P/B n/d
Book/ROE base 5Y
n/d
n/d base · n/d expected
Precio de entrada
n/d
MOS 100% · confianza 20%
Book/ROE escenarios
weak_data · book/share n/d · quality 55.0/100
Ranking barato/determinista: CAGR esperado 5Y + downside bear + calidad del modelo + balance + capital allocation + data gate. No entra en buy-candidate si la data es débil o el CAGR 5Y no compensa.
SA Score
31/100
D
Piotroski
3/9
balance/quality
Valuation
50/100
+0.0% upside
5Y CAGR
+0.0%
50/100
Data QA
16/100
SEC 0%
Sin guardar todavía.
Market Cap
$116.0B
P/E
15.4x
↑EV/EBITDA
N/A
•ROE
7.3%
↑Gross Margin
N/A
•Debt/Equity
0.43
↑TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2022–2025 · 3 años de histórico normalizado
Revenue CAGR
+5.5%
FCF CAGR
+14.5%
FCF margin
34.1%
FCF / Net income
2.54x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $69.14B · net income $9.26B · FCF $23.56B
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Income Statement | |||||
| Revenue | $69.14B | $69.14B | $67.01B | $65.17B | $58.96B |
| Net Income | $9.26B | $9.26B | $18.32B | $16.76B | $15.27B |
| EPS | 16.45 | 16.45 | 35.17 | 31.28 | 28.54 |
| Net Margin | 13.4% | 13.4% | 27.3% | 25.7% | 25.9% |
| Balance Sheet | |||||
| Debt/Equity | 0.43 | 0.43 | 0.42 | 0.43 | 0.47 |
| Cash Flow | |||||
| Free Cash Flow | $23.56B | $23.56B | $14.19B | $25.77B | $15.68B |
| Returns | |||||
| ROE | 7.3% | 7.3% | 14.6% | 14.2% | 13.2% |
| Valuation | |||||
| P/E | 15.43 | 15.43 | 809.64 | 669.47 | 732.80 |
| P/B | 95.47 | 95.47 | 106.10 | 83.62 | 90.86 |
| Growth & Yield | |||||
| Revenue Growth | 3.2% | 3.2% | 2.8% | 10.5% | — |
| EPS Growth | -53.2% | -53.2% | 12.4% | 9.6% | — |
| Dividend Yield | 8.7% | 8.7% | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
415.5%
EPS terminal req.
$2253.12
Spread vs growth
-468.7%
5Y implied EPS CAGR
177.9%
EPS terminal req.
$2726.27
Spread vs growth
-231.1%
10Y implied EPS CAGR
74.8%
EPS terminal req.
$4390.69
Spread vs growth
-128.1%
Qué te dice: cuánto EPS CAGR está descontando el precio si sales al múltiplo terminal indicado. Si el growth observado queda por debajo, el mercado está pidiendo una ejecución muy fina.
Total return
+7.7%
Start / end P/E
729.8x → 1543.6x
EPS bridge
35.17 → 16.45
Residual
-59.4%
Simple additive decomposition: total return = EPS growth contribution + P/E multiple contribution + dividend contribution + explicit residual. The residual captures cross-terms, buybacks/share-count effects, FX, special dividends, data noise and methodology mismatch so the bridge always reconciles.